Complaint Rating:

I was suckered into this account by American Laser Center. Worse mistake ever. The girl at ALC told me my minimum payment/month would be $65 - uh YEAH it WAS for about 2-3months then it shot up to $95!! WTF?! On top of that, I discovered that only ~35% of that minimum due payment was going toward my balance! The other 65% was FINANCE CHARGES! The APR is extremely high on this card as well.

I just recently had a problem with CC/GEMB. I made an e-payment to them for $95 & they sent me an email confirmation for the payment. I must admit, I was about 2 days late on the payment. However, about 4, 5 days later, I kept receiving these calls - they show up as 'Unavailable' on my cell (go figure). I answered the phone & its GEMB calling about a payment that hasn't been made. I told them I have made that payment; he said he would make a note of that & the call was ended. In the next week, they called my d#$n phone about 6 times, harassing me about a payment that I MADE already!! Everyone says they'll "make a note of it". Obviously you're NOT making ANY kind of note if you keep CALLING ME!! >:-( So they called me so much that I started wondering if I DID make the payment so I made another on for $98. Thats $193 in 2 weeks! Again another confirmation email! They continued to call me about these payments until I finally got fed up! Basically, someone on their end had not posted these payments to my account & thats when I realized that these fools hadn't even taken the money from my account!! After I informed them of this & expressed my distaste for the continuing phone calls, they deducted the whole $193 from my account. What a HUGE INCONVENIENCE!! If someone had been on their JOB & credited the payments in the first place this wouldn't have happened! Another problem I have with CC/GEMB is that - and this is by NO MEANS meant to be offensive & if it is, I am terribly sorry!! - the callers that they have working there don't really speak English well, they all have heavy accents which makes it difficult to understand. If I, or anyone else calls in with a problem, we're already ticked off & to have someone talking to you that you don't understand & they don't really understand you is a nuisance sometimes & exacerbates the problem.

This company is a rip-off, so if you can avoid dealing with CC/GEMB, by all means AVOID IT!!! American Laser Centers as well! They trick you into these contracts & you're stuck with a multihundred/thousand bill with a high a$$ APR!